Loans in Wayne County, MS: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wayne County, MS.
The median household in Wayne County earns $37,619 a year, 33% below the Mississippi median of $56,447. About 23% of residents live below the federal poverty line, and 14.7% of households rent their home. 14.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Wayne County
Here's what to have on hand before you start your payday loan request in Wayne County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Wayne County
What Wayne County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Wayne County
Payday Loans Legal
Payday loans (delayed deposit check cashing) are legal in Mississippi from check cashers licensed by DBCF under the Mississippi Check Cashers Act, Miss.
Personal Loans
Tiered 36%-14% APR; 59% to $5,330; credit availability 25%/month to $3,320.
Title Loans Legal
Car title loans (title pledges) are legal in Mississippi from lenders licensed by DBCF under the Mississippi Title Pledge Act, Miss.
Banks and credit unions in Wayne County
Banks with branches in Wayne County
11 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank | 7 | 708 Azalea Dr, Waynesboro 39367 |
| Great Southern Bank | 1 | 1010 Azalea Dr, Waynesboro 39367 |
| BankPlus | 1 | 913 Mississippi Dr, Waynesboro 39367 |
| The Huntington National Bank | 1 | 600 Azalea Dr, Waynesboro 39367 |
| The Citizens National Bank of Meridian | 1 | 810 Mississippi Dr, Waynesboro 39367 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Wayne County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Sunbelt | 345 Central Road, Waynesboro 39367 |
Source: NCUA credit union branch data, June 30, 2026.
All Mississippi counties and cities
Frequently asked questions
Are payday loans legal in Wayne County?
Wayne County follows Mississippi law. Payday loans (delayed deposit check cashing) are legal in Mississippi from check cashers licensed by DBCF under the Mississippi Check Cashers Act, Miss.
Are title loans legal in Wayne County?
Car title loans (title pledges) are legal in Mississippi from lenders licensed by DBCF under the Mississippi Title Pledge Act, Miss.
Where can I get a small loan in Wayne County?
Options include 11 bank and 1 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Wayne County?
Fill out our short online form from anywhere in Wayne County. We share it with lenders in our network that serve Mississippi; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in Wayne County, MS?
You can apply at banks, credit unions and lenders in Wayne County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Mississippi residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Wayne County with bad credit?
Yes, many lenders in our network work with Wayne County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get an emergency loan in Wayne County?
Yes. When an unexpected bill comes up, Wayne County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Wayne County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Wayne County residents can start any time, and it takes about 3 minutes.